United States to Choose Ripple: CryptoSensei Predicts US Embracing Ripple's Infrastructure for Digital Payments

Crypto commentator CryptoSensei predicts that the US will choose Ripple for digital asset infrastructure due to its unique connections with global institutions and ability to unify international transactions. Ripple's recent moves, including applying for a US banking charter and launching RLUSD, reinforce its position as a leading player in the industry. The US may select Ripple for its bridge assets and unified payment system, positioning it as a top contender for global payment infrastructure.

In the rapidly evolving landscape of digital assets, Ripple has emerged as a strong contender for the US's digital asset infrastructure due to its unique connections with global institutions and its ability to unify international transactions. CryptoSensei's prediction that the US will choose Ripple is rooted in the company's strategic moves and technological advancements.

Ripple's On-Demand Liquidity (ODL) service has processed $1.3 trillion in cross-border transactions in Q2 2025 alone, with institutions like Santander, SBI Holdings, and PNC Bank reporting significant cost savings [1]. This real-world adoption demonstrates Ripple's ability to provide a scalable and efficient solution for cross-border finance. Additionally, Ripple's alignment with ISO 20022 standards ensures compatibility with evolving financial infrastructure, further enhancing its appeal.

Ripple's recent moves, including applying for a US banking charter and launching the RLUSD stablecoin, reinforce its position as a leading player in the industry. The RLUSD stablecoin enables real-time fiat-crypto conversions, addressing a critical need in the global payment system. Furthermore, Ripple's acquisition of Rail and its EVM sidechain has enhanced stablecoin solutions and virtual accounts, supporting enterprise-grade compliance and real-time reporting [2].

The US may select Ripple for its bridge assets and unified payment system, positioning it as a top contender for global payment infrastructure. Ripple's technological edge, with 3–5 second settlement times and 1,500 transactions per second (TPS), far outpaces SWIFT's capabilities [1]. This technological advantage, coupled with Ripple's decade-long focus on compliance, makes it a viable candidate for the US's digital asset infrastructure.

Analysts project that XRP could capture 14% of SWIFT's $150 trillion global volume within five years, potentially driving the token's price to $10 or higher by 2030 [3]. With 10.6% of XRP's supply now controlled by institutions and whale accumulation exceeding $3.8 billion since July 2025, the asset's utility and scarcity are converging [2]. This convergence positions Ripple as a strategic choice for the US, as it addresses both immediate and long-term needs in the digital asset infrastructure.

References:
[1] XRP challenges SWIFT in 2025 with 5-second settlements at $0.0002/transfer, vs. SWIFT’s 3–5 days and $26–$50 fees. - Ripple’s ODL processed $1.3T in 2025 Q2, with 90% cost savings for partners like Santander and SBI Holdings. - U.S. court reclassified XRP as a commodity in August 2025, spurring 11 ETFs and $1.2B in ProShares Ultra XRP ETF inflows. - XRP’s 1,500 TPS and ISO 20022 compatibility position it as a scalable, compliant bridge for institutional cross-border finance. - Analysts project XRP could capture 14% of SWIFT’s $150T volume by 2030, driven by institutional adoption and regulatory clarity. [https://www.ainvest.com/news/xrp-long-term-strategic-position-global-payments-decade-institutional-trust-regulatory-clarity-2509/](https://www.ainvest.com/news/xrp-long-term-strategic-position-global-payments-decade-institutional-trust-regulatory-clarity-2509/)

[2] Ripple's On-Demand Liquidity (ODL) service, launched in 2018, has processed $1.3 trillion in cross-border transactions in Q2 2025 alone, with institutions like Santander, SBI Holdings, and PNC Bank reporting up to 90% cost savings. These partnerships are not isolated but part of a broader trend: Ripple now has 1,700 non-disclosure agreements (NDAs) with financial institutions, signaling XRP’s transition from a speculative asset to foundational infrastructure. For example, Santander’s use of ODL in Europe-to-Latin America corridors reduced costs by 90%, while SBI Group’s RLUSD stablecoin in Japan enabled real-time fiat-crypto conversions. [https://www.ainvest.com/news/xrp-long-term-strategic-position-global-payments-decade-institutional-trust-regulatory-clarity-2509/](https://www.ainvest.com/news/xrp-long-term-strategic-position-global-payments-decade-institutional-trust-regulatory-clarity-2509/)

[3] Analysts project XRP could capture 14% of SWIFT’s $150 trillion global volume within five years, potentially driving the token’s price to $10 or higher by 2030. [https://www.ainvest.com/news/xrp-long-term-strategic-position-global-payments-decade-institutional-trust-regulatory-clarity-2509/](https://www.ainvest.com/news/xrp-long-term-strategic-position-global-payments-decade-institutional-trust-regulatory-clarity-2509/)